Habib Bank AG Zurich SWIFT/BIC code

SWIFT/BIC code of Habib Bank AG Zurich

HBZUKENA and HBZUKENAXXX are two spellings of the same bank identifier, and both point to Habib Bank AG Zurich in Nairobi. A SWIFT code shows every bank in the chain exactly which bank is meant to get the money. You will need it mainly when dealing with payments that cross a border or a currency.

Below you will find the practical questions: receiving money at Habib Bank AG Zurich, sending money abroad and how to check the code before you confirm a payment. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN .

Choosing between the 2 SWIFT codes of Habib Bank AG Zurich

Habib Bank AG Zurich uses 2 separate SWIFT/BIC codes. Only one is the head office code; the others belong to branches, and sometimes internal departments.

Unless the recipient tells you otherwise, go with HBZUKENAXXX or its short form HBZUKENA. If you have been given a specific code, use it as it is instead of replacing it with the head office code.

Not sure which code applies? Ask the recipient. Codes can change over time.

Paying someone abroad from your Habib Bank AG Zurich account

A bank transfer abroad can cost rather more than the listed fee. Besides a fixed fee, banks in between can take a cut, and when currencies are converted, the bank often uses a rate that is less favourable than the actual market rate.

The markup on the rate is often the largest cost even though it is not listed as a fee. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service is cheaper than a bank, mainly because of the exchange rate. GoldexPay compares the amount that arrives with different providers, which makes the cheapest option easy to spot. Using a transfer service does not require leaving Habib Bank AG Zurich: you simply pay the service from your account.

When will the money arrive at Habib Bank AG Zurich?

A SWIFT payment typically needs anywhere from one to several business days. Bank holidays in the sending or receiving country can add a day or more to the journey. Occasionally a bank asks about the purpose of a payment.

When a payment takes longer than expected, ask the sending bank about the tracking status so they can trace it along the chain. Money transfer services usually provide tracking in their app showing how far the payment has got.

Only the sending bank can start an official trace; the receiving side usually has nothing to trace yet. On the receiving end, you can check your account for a slightly lower amount.

Incoming international payments to Habib Bank AG Zurich

Someone abroad who wants to pay you needs a few details from you. Share the account holder’s name, your account number or IBAN, SWIFT code HBZUKENAXXX and your address, which some banks require.

You can add Habib Bank AG Zurich and its city too. Double-check the details before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be lower than what was sent. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin comes on top. On invoices, it is common to agree how the fees are split to avoid a shortfall.

How to check HBZUKENA before you pay

The best place to find the right code is paperwork issued by the bank. Check that code with HBZUKENA on this page.

If the code is wrong, the payment may be delayed, be returned or end up costing more. Do not forget the IBAN: a mistake there can be more difficult to undo than a wrong code.

Many banking apps validate the structure of IBANs and some suggest the matching BIC. Where available, a name check before sending gives an extra layer of safety. Sending a small amount first is a sensible step for a large first payment, even if it costs an extra fee.

A note on our data

We collect SWIFT/BIC codes using public sources and update them from time to time. Institutions merge, change names and change codes – a directory can be a step behind. The number of codes we show are based on our own data and not on information from Habib Bank AG Zurich itself.

Use our data as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay is independent of Habib Bank AG Zurich. Found an error? Tell us through the contact page.

Scams that use SWIFT codes

Stay alert when someone suddenly wants you to send money to a different account. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Never rely on contact details from the same email that announces the change. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Call your bank straight away and ask them to start a recall.

Fraud also target the receiver: someone claims to have sent too much and asks you to return the extra via a different route. A payment confirmation from the sender proves nothing – check your own account.

HBZUKENA or HBZUKENAXXX – which one to use?

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. Combined, these eight characters make up HBZUKENA.

Most banks and apps work with either length. If a form asks for eleven characters, use HBZUKENAXXX.

Do not add spaces or dashes when you enter HBZUKENA; the code is always written in one block. Pasting the code is safer than retyping it.